Life insurance for scaffolders 2024

Yes, it is important to have life insurance regardless of your occupation.

Having life insurance can reassure you for the future that your loved ones are protected if the worst were to happen.

Especially as scaffolders tend to run a risk every day at work by working from heights and using dangerous machinery and equipment.

If you’re the breadwinner of your household or have other dependants, making sure you have a life insurance policy in place can protect your assets and loved ones, giving you peace of mind.

Worried about being declined? Even if you have been declined in the past because of being considered a high-risk individual, does not mean there isn’t a policy available to you now.

By comparing quotes you could find a suitable and affordable policy for you. We help individuals from all walks of life, so why not get in contact with one of our professionals at Reassured today to find yours?

Why not look into how much cover you may need with our life insurance calculator. Simply enter your financial circumstances:

Yes, due to factors like working from high platforms and using dangerous and heavy equipment there is a higher chance of accidents or fatalities.

Being high-risk means you are more likely to make a claim on your life insurance policy by being involved with a dangerous job or hobby.

You can also be considered as a high-risk applicant due to a severe illness or medical condition, your BMI, travel status and an over average alcohol intake.

A key part of being a scaffolder is working from height. Falling from heights is currently one of the main reasons for death at work. Not only do scaffolders work from heights but they can also use heavy machinery and materials.

Of all the fatalities analysed from 2017 to 2022, 25% of them were attributed to falling from a height. With 16% being from materials or fast-moving machinery falling and 13% were as a result of tragically being trapped beneath collapsing structures, tools or machinery^[1].

Not all scaffolders will carry out activities that are considered high-risk, which means it’s still possible for scaffolders to get life insurance at the standard rate (this means you won’t be charged a higher premium due to your job).

Will I have to pay more? It’s possible that you’ll have to pay more for life insurance depending on your specific job role.

If an insurer considers your job as high-risk they may increase the cost of your life insurance premium. This is because the risk of a claim is higher and they are more likely to pay out.

The price paid for premiums will also be based on; how much cover you need, how long you want cover for and what type of life insurance cover you require.

Comparing quotes can help you save money on your life insurance premiums, as each insurer has a different way of assessing risk.

If you’re a scaffolder and accepted for a policy on standard terms, prices start from just 20p-a-day through Reassured.

Our life insurance comparison service can help you save time and money, so get in touch.

There may be a time you fall unwell or injured and you may assume that your employer will continue to give you some level of income. However, this may not always be the case, this is why income protection can be organised.

Income protection is a type of insurance policy that secures you with a regular income until you retire or are able to return to work.

You can take cover out on a short-term basis (between 1 - 5 years) or long-term basis (payment period could last until retirement).

The option that’s best for you will depend on your personal circumstances and available budget.

As a scaffolder this could give you piece of mind to know that your essential costs and other financial commitments would have help being covered in the event of an accident.

Available through Reassured.

Many ‘high-risk’ occupants believe that life insurance can be unaffordable, however there are many different policies suitable for many circumstances.

Working from heights and with machinery and equipment, in fact emphasises the importance of protecting loved ones if the worst were to happen.

By exploring your options and comparing quotes, it is highly likely you will be able to secure a suitable and affordable policy, fitting your needs and lifestyle.

At Reassured, our award-winning team can help you, saving time and money. Whether that’s via phone call with an expert or using our online comparison service.

So why not reach out today and get in touch with one of our approachable professionals to see if we can help you arrange a cover to meet your specific needs.